SME Bank Mou Signing Ceremony for ECRL Project

For business. For growth. For life Vol. 19/2019

SME Bank MoU Signing Ceremony for ECRL Project

Menyambut Wira SME Bank Orang Asli Terima Manfaat dalam Misi Zero2Hero Projek Perpustakaan Mini P.10 P.17

An agency under

MINISTRY OF ENTREPRENEUR DEVELOPMENT EDITORIAL TEAM CONTENTS Issue 19/2019 ADVISOR Corporate Happenings Aria Putera Ismail

4 ScoreXcess Permudahkan Usahawan Executive Editor Mohon Pembiayaan Khairil Anuar Mohammad Anuar 5 BEP and ODELA Marked Significant Milestones for SME Bank Editor Abdul Latiff Puteh 3 SME Bank Inks MOUs with Business 6 Partners From the Desk of Contributors Group President/ Saripah Radziah Sayed Hamid 7 Program Tanggungjawab Korporat Norhisham Hamzah Chief Executive Officer 2019 Norsalwa Zakaria Rusydan Hamedy Norhamira Amir Sharippudin 10 Bendera SME Bank Berkibar di Nor Azimah Adam Everest Base Camp

12 Hari Keluarga SME Bank 2019 PHOTOGRAPHER Meriah Dengan Pelbagai Aktiviti Wan Badaru Sukry Wan Abdullah Menarik

GRAPHIC DESIGNER 14 Karnival Sukan SME Bank Perkenal Rafiq Asyraf Razalli Piala Presiden Kumpulan Yang Baharu

16 “SME Bank A” Ranked Top Five Winners In The IUTBT Bowling Tournament 2019

Program Tanggungjawab Korporat (CSR)

17 350 Penduduk Orang Asli Terima Manfaat Projek Perpustakaan Mini

PUBLISHED BY Issue of interest

20 Shared Prosperity Vision 2030

CEDAR Small Medium Enterprise Development Bank Malaysia Berhad (49572-H) Menara SME Bank, Jalan Sultan Ismail 22 7 Forces that Impact Businesses Tel: +603 2615 2020 Fax: +603 2698 1748 – Competitive Intelligence Team Contact Centre : +603-2603 7700 www.smebank.com.my An agency under the Ministry of Entrepreneur Development (MED) From the desk of CEO 3

From the desk of Group President/ Chief Executive Officer

ASSALAMUALAIKUM WARAHMATULLAHIWABARAKATUH AND SALAM SEJAHTERA

he end of December is already upon us informative e-commerce platform especially for and the dawn of the New Year 2020 is fast business-to-business (B2B) activities was launched approaching. In retrospect, 2019 has been an on 3 December 2019. Both ScoreXcess and Odela exciting and eventful year for the Bank. We was launched by YB Datuk Seri Mohd Redzuan Yusof, Thave achieved many targets and among the most Minister of Entrepreneur Development. notable is the Bank’s Digital Transformation plan that have been partly executed and we are beginning to These digital initiatives are in line with the vision see the results. of the National Entrepreneurship Policy 2030 (DKN2030) which aims to make Malaysia a leading In the last quarter of 2019 saw the Bank inked entrepreneurial nation and at the same time achieve another two MOUs with the aim to strengthen its the Shared Prosperity Vision 2030 goals. marketing base and promote its product offerings. In October 2019, SME Bank signed the MOU with Strengthening the bond and camaraderie amongst Celcom and another MOU between SME Bank, staff continues to be the focus for us throughout China Communications Construction Sdn. Bhd. and 2019. The highlight was the family day held at the Malaysia Rail Link Sdn. Bhd. was signed in November Grand Lexis, Port Dickson on 30 November to 1 2019. These initiatives are testimonies to SME Bank’s December 2019. Almost 2,000 combining staff and efforts in offering the best financing solutions and family members took part in the fun filled activities. beyond financing programmes to our Malaysian On 7 December 2019, the Bank held a Sports SMEs. Carnival at Sentosa Sports Arena with more than 760 participation from the staff. In our effort to remain as the leading DFI serving the SME sector in Malaysia as well as to embrace All the efforts undertaken in 2019 will be the basis for the Industrial Revolution (IR) 4.0 in its business us to enter into 2020 with a renewed commitment operations, SME Bank has been given the in nurturing and developing the country’s SMEs. responsibility by the Government to lead the digital Lastly, I would like to take this opportunity to wish initiatives of the National SME Digital Platform. In everyone a Happy New Year and may 2020 brings this note, ScoreXcess, a dedicated digital platform more success and prosperity for all of us. that acts as a one stop portal for small and micro enterprises to obtain financing from the relevant Thank you. government agencies that participated in this programme was launched on 30 September 2019 while ODELA, an e-commerce platform which act as the game changer in SME business landscape ARIA PUTERA ISMAIL by providing access to a more systematic and Group President / Chief Executive Officer 4 Corporate Happenings

Permudahkan Usahawan Mohon Pembiayaan

ME Bank telah melancarkan ScoreXcess Keupayaan ScoreXcess menganalisa secara yang merupakan satu portal bagi mengakses terperinci kedudukan kewangan pemohon akan permohonan pembiayaan berdasarkan mempercepatkan tempoh kelulusan dan seterusnya keperluan perniagaan khusus untuk memudahkan urusan permohonan pembiayaan Susahawan PKS. Majlis pelancaran ScoreXcess kepada usahawan. Pemohon juga akan dapat telah disempurnakan oleh Menteri Pembangunan mengetahui status permohonan secara langsung Usahawan, Datuk Seri Mohd Redzuan Yusof pada dan untuk pemohon yang tidak berjaya, mereka akan 30 September 2019 sempena perhimpunan bulanan dinilai semula untuk proses ‘capacity improvement’. MED di Putrajaya. ScoreXcess merupakan inisiatif pertama SME Bank ScoreXcess bertindak sebagai ‘one stop portal’ untuk di bawah program transformasi digital melalui anak usahawan mikro dan kecil memohon pembiayaan syarikat milik penuhnya iaitu Centre for Entrepreneur daripada agensi kerajaan yang terlibat. ScoreXcess Development and Research Sdn Bhd (CEDAR). yang merupakan satu daripada komponen utama Sehingga kini, terdapat lebih daripada 456 pengguna Platform Digital PKS Kebangsaan adalah kad skor telah berdaftar sebagai pengguna ScoreXcess. digital PKS dalam talian yang memudahkan usahawan untuk mengakses sumber pembiayaan daripada Antara agensi yang menggunakan platform ini pelbagai agensi pembiayaan. adalah Bank Rakyat, Permodalan Usahawan Nasional Berhad (PUNB) dan Perbadanan Nasional Berhad Selain menjadi rujukan agensi pembiayaan yang (PNS). SME Bank menjangkakan lebih banyak agensi terlibat, ScoreXcess turut menyediakan penilaian akan menggunakan ScoreXcess di masa hadapan. pemeriksaan pra-kelulusan (pre-screening approval assessment) yang standard merentasi agensi apabila Selain daripada ScoreXcess, Kumpulan SME Bank permohonan pembiayaan diterima melalui enjin akan turut memperkenalkan beberapa lagi inisiatif Kecerdasan Buatan (AI). ScoreXcess akan menilai berdasarkan teknologi digital yang akan membantu keupayaan pelanggan untuk membuat pembayaran golongan usahawan mikro dan kecil dengan lebih melalui penggunaan data alternatif. ScoreXcess berkesan. juga mampu membuat pengasingan permohonan pembiayaan di kalangan agensi kerajaan yang terlibat yang bersesuaian dengan jenis permohonan. Corporate Happenings 5

BEP and ODELA Marked Significant Milestones for SME Bank

pproximately 500 SME entrepreneurs During the same event, SME Bank also launched attended the closing ceremony of Best ODELA which was developed in partnership with Exporters Programme (BEP) and the JNJ Group. This e-commerce platform aims to launched of SME Bank new business to have 8,000 merchants and buyers using ODELA in Abusiness (B2B) e-commerce platform, ODELA on 3 the first year. ODELA is one of the components in December 2019 held in Royale Chulan Hotel, Bukit the National SME Digital Platform that provides a Bintang, Kuala Lumpur. digital business platform that will change the way SMEs operate their businesses. ODELA taps on The three year BEP has generated an incremental new technologies and custom designed to enable export revenue of RM141.4 million, contributed by the entrepreneurs to make transaction, facilitate 73 participating companies out of the 50 targeted exchange, foster innovation and partnership across companies. SME Bank had also approved new vast ecosystems. financing worth RM87.8 million to 13 companies involved in the programme for working capital and The BEP closing ceremony and launching of purchase of assets. ODELA was officiated by Minister of Entrepreneur Development, YB Datuk Seri Mohd Redzuan Yusof and BEP is a collaboration between three agencies, witnessed by YB Datuk Wira Dr. Mohd Hatta Ramli, namely SME Bank, Unit Peneraju Bumiputera Deputy Minister of Entrepreneur Development and (Teraju) and Malaysia External Trade Development YBhg. Datuk Wan Suraya Wan Mohd Radzi, Secretary Corporation (Matrade). Going forward, the Ministry General, Ministry of Entrepreneur Development. of Entrepreneur Development (MED) will allocate RM5 million for BEP 2.0 which will begin in 2020. 6 Corporate Happenings

SME Bank Inks MOUs with Business Partners

SME Bank as the leading Development Financial Institution (DFI) serving the SME sector and an agency under the Ministry of Entrepreneur Development, inked three Memorandum of Understandings (MOUs) with business partners to complement SME Bank’s digital transformation agenda and enhance its product offerings.

MOUs with CCC and MRL On 18 November 2019, SME Bank signed the MOUs with China Communications Construction Sdn. Bhd. (CCC-ECRL) and Malaysia Rail Link Sdn. Bhd. (MRL) to offer RM1 billion in financing specially for local contractors appointed for the civil works packages of the East Coast Rail Link (ECRL) Project. The MOU is to facilitate the financial solutions for them to accelerate the commencement of civil works of the 640-km rail infrastructure from Kota Bharu to Port Klang. It is also SME Bank’s contribution towards ensuring the success of nation building projects that are impactful to the society.

MOU with CELCOM SME Bank inked a MOU on 12 November 2019 with CELCOM Axiata Berhad (Celcom) to complement SME Bank’s digital transformation agenda. The collaboration with CELCOM will open up opportunities for SME entrepreneurs who are Celcom-registered contractors, vendors and suppliers to gain access to the RM100 million financing facility provided by SME Bank. The facility offered is in the form of Contract Financing, Working Capital and/or Purchase of Assets.

MOU with OYO On 3 October 2019, a MOU was inked between SME Bank and OYO Rooms Hospitality Sdn. Bhd. (OYO). The collaboration provides an opportunity for hoteliers especially budget hotels in the country to improve the quality of their services. Through this collaboration, SME Bank’s customers who are the budget hotel operators will benefit in terms of improving their business operations. They will gain access to OYO’s expertise in improving and enhancing the standard of services provided to the customers. The collaboration with OYO is expected to help the hoteliers to boost the number of bookings and profitability of their operations. Corporate Happenings 7

Program Tanggungjawab Korporat 2019

ME Bank sebagai warga korporat yang prihatin, amat menitik beratkan kewajipan untuk menjalankan aktiviti tanggungjawab korporat (CR) sebagai usaha untuk membantu meningkatkan kualiti hidup terutamanya Sgolongan kurang berkemampuan. Pada masa yang sama SME Bank juga turut mengadakan beberapa inisiatif untuk menjaga alam sekitar agar dapat dipelihara untuk generasi masa hadapan. Menyedari akan kepentingan CR, pihak Bank ingin menjadikannya sebagai sebahagian daripada budaya kerja semua kakitangan dengan memasukkannya ke dalam ‘Key Performance Indicator’ (KPI) 2019 untuk setiap divisyen dalam SME Bank. Selain itu, program CR ini juga berkait rapat dengan nilai-nilai utama Bank yang digunakan dalam kempen S.M.I.L.E.

Divisyen Pengurusan Operasi # Membersihkan kawasan persekitaran pantai dan mengutip sampah.

27 Julai 2019 Avani Gold Coast Sepang, Selangor

Divisyen Kredit # Membersihkan kawasan persekitaran pantai, penempatan penyu bertelur dan melepaskan anak penyu ke laut.

20-21 September 2019 Kemaman Sand, Kemaman, Terengganu

Divisyen Shariah # Menyampaikan sumbangan wang zakat berjumlah RM8,000 kepada Maahad Tahfiz Bayt Al-Ikhlas serta membersihkan kawasan di persekitaran pantai dan mengutip sampah.

27–29 September 2019 The Orient Star Resort Lumut, Perak 8 Corporate Happenings

Jabatan Perbendaharaan dan Pelaburan # Membersihkan penempatan gajah, menyediakan makanan dan memberi gajah makan.

11-13 Oktober 2019 Pusat Pemuliharaan Gajah Negara, Kuala Gandah, Pahang

Divisyen / Jabatan Undang-undang Kumpulan, Kesetiausahaan dan Pejabat Presiden Kumpulan/ Ketua Pegawai Eksekutif # Melepaskan 20 ekor anak penyu ke laut serta membersihkan kolam penyu dan kawasan persekitaran.

1–2 November 2019 Pusat Konservasi dan Penerangan Penyu Segari, Lumut, Perak

Divisyen Strategi Kumpulan (GSD) # Membersihkan kawasan persekitaran zoo dan kandang haiwan.

1-2 November 2019 Zoo Melaka

Divisyen Pengurusan Kewangan Kumpulan (GFMD) # Membersihkan kawasan pusat tahfiz, mengecat dinding dan menanam pokok. GFMD turut memberikan sumbangan barang keperluan dapur, mesin rumput dan kipas untuk kegunaan surau.

8-9 November 2019 Pusat Tahfiz & Anak Yatim Darul Hikmah, Gopeng, Perak

Divisyen Pematuhan Kumpulan # Membersihkan kawasan persekitaran tempat persinggahan penyu bertelur, membersihkan kawasan persekitaran pantai dan mengutip sampah.

8-9 November 2019 Hotel Pasir Bogak, Pulau Pangkor Corporate Happenings 9

Divisyen Pengurusan Pemulihan & Aset dan SMEB Pengurusan Aset (RAMD & SAM) # Membersihkan surau Haji Dorani Homestay untuk kegunaan orang ramai dan memberi sumbangan wang tunai kepada 10 keluarga dan warga emas yang memerlukan bantuan.

9-10 November 2019 Haji Dorani Homestay Sg. Besar, Selangor

Divisyen Audit Kumpulan (GAD) # Meraikan anak-anak yatim dengan mengadakan sukaneka, gotong-royong dan penyampaian sumbangan wang tunai kepada 60 orang anak-anak yatim.

9-10 November 2019 Pusat Jagaan Hembusan Kasih Sayang Taman Guru, Kuantan, Pahang

Divisyen Digital Kumpulan & Transformasi Teknologi # Membersihkan trek jalan mendaki bukit dan kawasan persekitaran.

16 November 2019 Bukit Gasing Trail, Petaling Jaya, Selangor

Divisyen Risiko Kumpulan (GRD) # Pengagihan 300 pek makanan kepada orang awam dan gelandangan di sekitar bangunan Bank Muamalat, Jalan Melaka dan Stesen Masjid Jamek, Kuala Lumpur.

22 November 2019 Kuala Lumpur

Divisyen Pengurusan Modal Insan Kumpulan # Mengadakan sambutan hari jadi untuk anak-anak yatim, menyampaikan sumbangan barang- barang keperluan dan wang tunai kepada pusat jagaan.

23 November 2019 Pusat Jagaan Penyayang Nur Iman, Kuala Lumpur 10 Corporate Happenings

Bendera SME Bank Berkibar di Everest Base Camp

“Pernah suatu ketika, sedang kami dalam perjalanan pendakian ke ‘Everest Base Camp’, cuaca yang pada awalnya sangat baik dan cerah tiba-tiba bertukar menjadi mendung dan gelap diikuti ribut petir. Akibat daripada keadaan cuaca buruk tersebut, kami terpaksa berlindung dan menunda pendakian kami,” kongsi Encik Saipul tentang pengalaman beliau dalam misi Zero2Hero ‘Everest Base Camp’.

Puan Husna pula berkata, “Saya telah mengalami kesukaran untuk bernafas apabila berada hampir dengan ‘Everest Base Camp’. Ketinggian pada ketika itu adalah 5,300 meter dari aras laut. Walau bagaimanapun, saya tekad kuatkan semangat dan alhamdullilah saya dapat sampai ke destinasi pendakian dengan selamat.”

Ini adalah antara cabaran-cabaran getir yang dilalui oleh pendaki kita ketika menyertai misi Zero2Hero ‘Everest Base Camp’.

Menakluki puncak Gunung Everest adalah impian hampir semua pendaki-pendaki tegar di seluruh dunia. Puncak tertinggi dunia ini menjadi sasaran utama pendaki-pendaki profesional dan juga amatur. Impian dua orang kakitangan SME Bank menjadi kenyataan apabila mereka terpilih untuk mengikuti Misi Zero2Hero ‘Everest Base Camp’ yang bermula pada 11- 28 Oktober 2019. Misi ini merupakan anjuran bersama SME Bank, Nadi Sihat dan beberapa organisasi yang lain bertujuan untuk menggalakkan gaya hidup sihat. Walaupun tidak sampai ke kemuncak, namun untuk sampai ke ‘Everest Base Camp’, bukanlah satu pendakian yang mudah. Corporate Happenings 11

Selaku penaja bersama, SME Bank telah membuka penyertaan kepada semua kakitangan dan mereka telah melalui proses pemilihan yang agak teliti dan ketat. Setelah proses pemilihan dijalankan, akhirnya Encik Saipul Mat Ramli dari cawangan KLEC dan Puan Husnannisak Hj. Zainol Abidin dari Jabatan Kewangan telah terpilih untuk menggalas tugas yang diamanahkan bagi menyertai program ini. Memandangkan ini adalah pengalaman pertama bagi Encik Saipul dan Puan Husna untuk mendaki ke ‘Everest Base Camp’, mereka menyifatkan misi ini sebagai satu kenangan yang tidak dapat dilupakan dan menjadi pengalaman yang paling berharga dalam hidup mereka.

Pendakian ke Everest Base Camp sangat mencabar terutamanya apabila bentuk muka bumi yang curam, berbatu dan juga dengan keadaan cuaca yang boleh berubah pada bila-bila masa sahaja. Kedua-dua wakil SME Bank ini telah mengikuti latihan intensif selama dua bulan bagi meningkatkan stamina dan ini membabitkan pendakian beberapa gunung di Semenanjung Malaysia termasuk Gunung Tahan. Selain semangat dan tahap kesihatan terbaik, mereka juga perlu bersedia dari segi mental dan fizikal terutamanya apabila berhadapan dengan keadaan suhu sejuk dan bersalji.

Encik Aria Putera Ismail, Presiden Kumpulan/Ketua Pegawai Eksekutif SME Bank telah meluangkan masa pada 26 Oktober 2019 untuk menyambut kepulangan kedua-dua wira SME Bank ini di Lapangan Terbang Antarabangsa Kuala Lumpur. Turut hadir ialah Presiden Kelab Sukan dan Rekreasi SME Bank, Encik Eddy Erwan Zakaria.

SME Bank mengucapkan syabas dan sekalung tahniah kepada wira-wira misi kali ini iaitu Encik Saipul dan Puan Husna kerana telah berjaya melengkapkan Misi Zero2Hero ‘Everest Base Camp’. Pastinya, matlamat atau sasaran seterusnya adalah untuk mendaki hingga ke puncak Everest. Kejayaan Encik Saipul dan Puan Husna semestinya akan terus menjadi inspirasi kepada warga SME Bank. 12 Corporate Happenings

ampir 2,000 orang termasuk kakitangan SME Bank dan ahli keluarga masing-masing Hari berkumpul bersama merasai keseronokkan, keriangan sambil menyertai aktiviti Hsukaneka dan majlis makan malam di Grand Lexis, Port Dickson Negeri Sembilan bersempena dengan Keluarga Hari Keluarga SME Bank 2019 yang diadakan pada 30 November 2019 hingga 1 Disember 2019. Ini adalah sebahagian daripada program penglibatan SME Bank kakitangan untuk menunjukkan tanda penghargaan kepada semua kakitangan yang berdedikasi, rajin dan bertanggungjawab. 2019 Program bermula seawal 7.30 pagi dengan pendaftaran kakitangan dan diikuti dengan acara senamrobik yang dipimpin oleh Encik Abd Karim Meriah Dengan Ahmad, Ketua Kualiti Aset, SME Bank. Kemuncak aktiviti pada pagi tersebut ialah acara pertandingan Pelbagai Aktiviti tarik tali di antara Ahli Jawatankuasa Kelab Sukan & Rekreasi SME Bank (KSRSME) dan pihak pengurusan SME Bank yang juga merupakan Gimik Pelancaran Menarik Hari Keluarga SME Bank tahun ini. Kemenangan telah berpihak kepada pihak pengurusan SME Bank yang diketuai oleh Encik Aria Putera Ismail, Presiden Kumpulan/Ketua Pegawai Eksekutif; Encik Haizad Rizal Aziz, Ketua Pegawai Perbankan; Encik Mohammad Azam Ahmad, Ketua Pegawai Risiko; Encik Hasrul Farid Hasnan, Ketua Juruaudit Dalaman; Encik Hairil Izwar Abd Rahman, Ketua Pegawai Transformasi Teknologi & Digital Kumpulan dan Encik Mohd Fikri Abd Ghapar, Penasihat Undang-Undang Kumpulan.

Antara acara sukaneka yang dipertandingkan adalah ‘Hula Hoop Race’, ‘Ping Pong in Spoon’, ‘Blinded Ball Retrieval’, ‘Ball Olympics’, ‘Bucket Bridge’ dan ‘Spoon Water Relay’. Selain itu, pertandingan mewarna, pertandingan ‘beyblade’, serta ‘face painting’ turut diadakan untuk anak-anak kakitangan. Semua pertandingan telah berakhir pada jam 2 petang bagi Corporate Happenings 13

memberi ruang kepada kakitangan dan ahli keluarga bersiap untuk menghadiri Majlis Makan Malam SME Bank yang diadakan pada sebelah malam.

Bertemakan ‘Kampung Batik Night’, terdapat 197 hadiah cabutan bertuah dan lima hadiah utama termasuk pakej percutian bernilai RM10,000.00 yang telah dimenangi oleh Encik Khairul Mahafiz Mohd Sukur daripada Divisyen Operasi Strategik. Hadiah- hadiah lain adalah PS4, Apple Ipad, Smart TV dan Pakej Penginapan di Grand Lexis selama tiga hari dua malam. Majlis juga turut dihiburkan dengan persembahan istimewa dari Kumpulan ‘One Jammers’ iaitu sebuah band yang dianggotai oleh kakitangan SME Bank dari Jabatan Audit, Pusat Wilayah KL dan Jabatan Pengurusan Risiko. Penampilan khas dari Encik Aria telah menggamatkan suasana makan malam dengan dendangan lagu bertajuk Teratai. 14 Corporate Happenings

Karnival Sukan SME Bank Perkenal Piala Presiden Kumpulan Yang Baharu

arga SME Bank telah mula tiba di Sentosa Sports Centre seawal jam 7.00 pagi pada 7 Disember 2019 untuk menjayakan Karnival Sukan SME Bank W2019. Bertemakan SMILE SME, seramai 760 orang peserta yang mewakili 8 kontinjen bertanding dalam 9 acara iaitu Futsal (Lelaki), Badminton, Ping Pong, Dart, Karom, Dam Haji (Lelaki), Congkak (Wanita), Bola Jaring (Wanita) dan Pasukan Sorak.

Karnival Sukan SME Bank telah dimulakan dengan perbarisan oleh kontinjen-kontinjen sukan mengikut tema warna baju yang pelbagai antaranya merah jambu, ungu, hijau, merah, biru, kelabu, kuning dan hitam. Selepas pemeriksaan perbarisan kontinjen oleh Encik Aria Putera Ismail, Presiden Kumpulan/ Ketua Pegawai Eksekutif, kesemua kontinjen terlibat telah membuat persembahan pasukan sorak dan ‘war cry’ masing-masing. Corporate Happenings 15

Encik Aria telah bermurah hati untuk menyumbang wang tunai RM300.00 sebagai hadiah kepada Pasukan Sorak yang paling meriah dan “sporting”. Dengan pukulan drum besar dan paluan gendang yang berirama telah membawa tuah kepada Kontinjen Ironman Blue yang diketuai oleh Encik Mohammad Azam Ahmad, Ketua Pegawai Risiko apabila mereka dinobatkan sebagai pemenang bagi Pasukan Sorak Terbaik.

Juara keseluruhan Karnival Sukan SME Bank telah dimenangi oleh Kontinjen Stellar yang diketuai oleh oleh Cik Puan Sainursalwa Sani, Ketua Pegawai Pengurusan Insan Kumpulan dan mereka telah membawa pulang hadiah wang tunai RM1,000.00 serta piala pusingan Presiden Kumpulan yang baharu diperkenalkan semasa karnival sukan kali ini. Naib Juara dimenangi oleh Kontinjen Excellence yang diketuai oleh Cik Aiza Azreen Ahmad, Ketua Pegawai Strategi Kumpulan. Mereka membawa pulang pingat serta wang tunai bernilai RM700.00. Manakala tempat ketiga dirangkul oleh Kontinjen M-Black Ultras yang diketuai oleh Encik Mohammad Hardee Ibrahim, Ketua Pegawai Perbankan yang membawa pulang pingat serta wang tunai RM500.00.

Hari sukan ini juga telah dimeriahkan lagi dengan kehadiran maskot-maskot yang menarik serta sorakan yang bersemangat oleh setiap kontinjen. Antara maskot-maskot yang digunakan pada Karnival Sukan kali ini adalah Genie Aladdin, Enigma, Ironman Blue, Ninja Warrior dan Harley Quinn. Tahniah diucapkan kepada semua para pemenang dan kepada yang kalah, jangan putus asa. Teruskan semangat kesukanan demi kesejahteraan semua.

Senarai Penuh Keputusan Karnival Sukan Piala Presiden Kumpulan SME Bank 2019

Excellence Stellar M-Black Ultra

Tempat Kedua Juara Keseluruhan Karnival Sukan Tempat Ketiga

Pertama Pertama Pertama Kedua Kedua Kedua Ketiga Ketiga Ketiga Ironman Blue Excellence Stellar Kay’s Angels Stellar Mohammad Azam M-Black Ultra Ninja Warrior Aiza Azreen Stellar Hairul Izwar Ninja Warrior Sainursalwa Hasrul Farid Hardee Sainursalwa Sainursalwa Hasrul Farid Pasukan Sorak Terbaik Futsal Bola Jaring

Pertama Pertama Pertama Kedua Kedua Kedua Ketiga Ketiga Ketiga Stellar Ironman Blue M-Black Ultra Kay’s Angels Excellence Stellar Sainursalwa M-Black Ultra Mohammad Azam M-Black Ultra Hardee Enigma Hairil Izwar Hardee Aiza Azreen Hardee Sainursalwa Haizad Rizal Karom Dam Haji Congkak

Pertama Pertama Pertama Kedua Kedua Kedua Ketiga Ketiga Ketiga Excellence Se7en Stellar M-Black Ultra Kay’s Angels M-Black Ultra Aiza Azreen Enigma Khairil Anuar Ninja Warrior Sainursalwa Excellence Hardee Haizad Rizal Hairil Izwar Hasrul Farid Hardee Aiza Azreen Badminton Ping Pong Dart 16 Corporate Happenings

“SME Bank A” Ranked Top Five Winners In The IUTBT Bowling Tournament 2019

ME Bank, once again carved its name by winning 4th place out of 33 teams that competed in the annual Inter Unit Trust Bowling Tournament 2019 (IUTBT), organized by Permodalan Mara Berhad United Sports & Recreational Club held on 2 November 2019 at Wangsa Bowl, Wangsa Walk, Wangsa Maju. The team received RM500.00 cash prize, medals and a hamper. SME Bank’s team captain, Mohd Arif Adib also won 2nd place for Best Male Bowler and took home RM500.00 in cash, medal Sand a hamper while Mohd Zulkhairie Abdullah, won the Best Male Bowler for IUTBT 2019. A total of 132 bowling enthusiasts participated in the tournament which included four teams from SME Bank. Overall, the tournament was a rousing success. “SME Bank A” the winning team was represented by Mohd Arif Adib from Treasury & Investment, Norsalwa Zakaria from Corporate Communications, Mohd Soffian Ismail from IT Operations and Mohd Zulkhairie Abdullah from Programme Development & Financing. Congratulations to the winning teams! Program Tanggungjawab Korporat (CSR) 17

350 Penduduk Orang Asli Terima Manfaat Projek Perpustakaan Mini

ada 26 Oktober 2019, SME Bank dengan kerjasama Yayasan Sukarelawan Siswa (YSS) telah merasmikan sebuah ‘Perpustakaan Mini’ di Surau Ar-Ridhuan, Kampung Orang Asli, PJenderam Hilir, Dengkil, Selangor.

Seramai 42 orang kakitangan SME Bank bersyukur apabila mereka dapat turut serta dalam misi projek perpustakaan mini yang disediakan dalam Surau Ar-Ridhuan Kampung Orang Asli untuk masyarkat setempat. Sukarelawan SME Bank meluangkan masa bersama sukarelawan daripada Yayasan Sukarelawan Malaysia (YSS) telah menjalankan pelbagai aktiviti seperti mengecat mural, membersihkan kawasan sekitar surau, bergotong-royong menyediakan makanan tengahari serta mengadakan aktiviti bersama anak-anak orang asli di kampung tersebut. SME Bank juga telah berjaya mengumpulkan pelbagai jenis buku bacaan baharu dan terpakai serta telah menyumbangkan telekung hasil sumbangan daripada kakitangan SME Bank.

Selain daripada itu, projek perpustakaan mini ini juga bertujuan untuk menyediakan ruang belajar yang lebih kondusif dan prasarana yang lebih baik kepada anak-anak orang asli di kampung ini supaya mereka tidak ketinggalan serta mewujudkan masyarakat berilmu di kawasan kampung terutamanya kepada masyarakat orang asli.

Majlis perasmian dan pelancaran ini dihadiri oleh Pengerusi YSS, YBhg. Tan Sri Lee Lam Thye. Menurut beliau, pemilihan kawasan B40 itu dibuat berdasarkan kekangan yang dihadapi oleh penduduk di situ daripada menikmati kemudahan perpustakaan awam. Turut hadir semasa majlis pelancaran ini ialah Cik Aiza Azreen Ahmad, Ketua Pegawai Strategi Kumpulan yang mewakili pihak pengurusan SME Bank. 18 Corporate Happenings

CORPORATE HAPPENINGS

Oct

15th ADFIAP International CEO Forum “Powering the DFI 4.0 Journey” at The Parisian Macao Hotel, Macau SAR, China 17-19 October 2019 KL Pink October Walk by Hospital Kuala Lumpur 19 October 2019

Oct Nov

SME Bank Welcomes its New Chairman, YBhg Dato’ Seri Nazir Ariff MED Coopreneur Carnival 9T05 at Menara SME Bank Half Marathon 2019 at Putrajaya 29 October 2019 10 November 2019 Corporate Visit 19

Dec

Nov

Lets Engage SME Bank with Penang Chinese Chamber of Commerce (PCCC) in Pulau Pinang 15 November 2019 Engagement Session with Central Bank of Malaysia (Shariah Department) 28 November 2019

“Forum Pasca Belanjawan 2020” at TPC Kuala Lumpur 4 December 2019 CORPORATE VISIT

8 October 2019

Courtesy Visit by International Entrepreneurs Chambers Malaysia (IECM) at Menara SME Bank

20 November 2019

CEDAR Appreciation Dinner for Nigerian Delegates at Menara SME Bank 20 Issue of Interest

Shared Prosperity Vision 2030

Source: Prime Minister Office

he Prime Minister, YAB Tun Dr. Mahathir Mohamad launched the Shared Prosperity Vision (SPV) 2030 on 5 October 2019 which outlines 10-year goals aiming at providing a Tdecent standard of living to all Malaysians by 2030. The SPV 2030 is a commitment to make Malaysia a nation that achieves sustainable growth along with fair and equitable distribution, across income groups, ethnicities, regions and supply chains. In brief, SPV 2030 is aimed at strengthening political stability, enhancing the nation’s prosperity and ensuring that the rakyat is united whilst celebrating ethnic and cultural diversity as the foundation of the nation-state.

This vision is not a policy paper and a guidelines per say, but more towards a direction for the Government to formulate any policies, budgets and 5-years Malaysia Plans in order to achieve the target outlined in SPV 2030.

The Objective of SPV 2030:

1. Development for All-restructuring the economy to be more progressive, knowledge-based and high-valued with full community participation at all levels.

2. Addressing Wealth and Income Disparities- addressing economic disparities across income groups, ethnicities, regions and supply chains to protect and empower the rakyat in ensuring that no one is left behind.

3. United, Prosperous and Dignified Nation-Building Malaysia as a united, prosperous and dignified nation and subsequently becoming an economic centre of Asia. Source: PMO, NST, The Star, Bloomberg, SME Bank SCEA Issue of Interest 21

01 FISCAL SUSTAINABILITY Sustainable management of government finance to 02 strengthen investors and 08 market confidence FINANCIAL CAPITAL ENLIGHTENED SOCIETY Expansion of business through A lifelong learning culture holistic and SME-friendly through continuous learning intellectual discourse, dialogue financing and awareness to enhance knowledge, experience sharing and empathy

03 07 EFFECTIVE SUSTAINABILITY INSTITUTIONAL DELIVERY National development which is Improvement in eco-friendly and gives implementation of initiatives SHARED emphasis to conserving and outcome-based and preserving natural programmes PROSPERITY resources VISION ENABLERS Source: Prime Minister Office

04 06 GOVERNANCE & BIG DATA INTEGRITY Policy making guided by data Strengthening governance 05 and empirical facts under a through transparency and uniﬁed and integrated data accountability to foster EDUCATION & TVET system trust of the rakyat Increase in skilled and highly-educated workforce, learning society and outcome-based education 22 CEDAR

7 Forces that Impact Businesses – Competitive Intelligence Team

o beat the competition, you need to constantly the Government deciding to invest in solar energy. monitor the environment in which you operate Your team must continually monitor for such events for potential opportunities and threats. The so your organization isn’t blindsided by something 7 force-analysis provides a solid methodology that negatively affects its bottom line and doesn’t Tfor accomplishing that goal. completely miss out on a golden opportunity.

Competitive Intelligence (CI) Team is the way forward Political And Governmental Forces for an organization to continually evolve in response In Malaysia, the Government plays a major role in to ever-changing conditions. These conditions, or determining how businesses operate, especially in forces, can be classified into 7 distinct categories. relation to international trade, taxation, and regulations. The first two forces — market and technological If your business has Government contracts, these forces — drive the velocity of change. In other words, forces may have an even bigger impact. Your team changes in these areas require your organization to needs to keep an eye on any government and political adapt very quickly to take advantage of opportunities issues that may affect your organization. and avoid threats. The remaining five forces affect the complexity of change — the number of issues that Media Forces may affect an organization. The media, including social media, can make or break a company. A bad-news story can go viral in a matter Market Forces of minutes, and if your organization fails to deliver The supply, demand and price of products are some an acceptable response, the repercussions can last of the factors that can be affected by the market for months or even years. If the bad news is about a forces, and they come in many forms. Your CI team competitor, that could be good news for you, so be needs to monitor and analyze: prepared to jump on such opportunities. Your team • Unmet customer needs, because they can be can help to monitor the media so your organization opportunities for your company to step in isn’t caught off guard in either situation. • New competitors, especially nontraditional competitors from other industries Weather And Other Environmental Forces • Mergers and acquisitions that may strengthen Environmental issues relate to weather, natural a competitor or cause you to lose a supplier or disasters, climate change, pollution, and anything distributor else that could impact business. A hurricane or earth • Changes in the supply chain and distributors quake can completely wipe out businesses. Major environmental events can disrupt supply chains and Technological Forces increase the costs of raw materials. It is vital to monitor Technological forces impact everything from how a for events that could impact your organization and product is produced to how a customer uses it and help develop contingency plans in response to such may affect every function in an organization, including events. what products are developed, how marketing reaches consumers, and how sales are tracked and managed. Legal/Regulatory Forces Technological changes even provide new and more National, state, and local laws and regulations may effective ways to handle shipping and logistics. Your impact everything from where you can set up shop to team can play an important role in your company by how much you have to pay your employees and the tracking technological forces and providing insight measures you must take to ensure their safety. Some into how they affect each area of the company. regulations can be very costly, and failing to honor the regulations may be even more costly. Your team Economic Forces needs to monitor for changes in rules and regulations All sorts of economic events may impact a business, so it is prepared to make the necessary adjustments. from an economic downturn to sequestration to An agency under